The national student loan is in the form of one application, one credit and installment payment. Students can sign loan contracts with the bank for multiple academic years at one time, but the bank will issue them in different years. The loan for tuition and accommodation in one school year will be paid by the bank in one lump sum.

You can apply for a national student loan if you have the following conditions: ① family financial difficulties; (1) with China nationality; 2 Honest and trustworthy, law-abiding; (3) Freshmen, undergraduates, second bachelor's degree students and graduate students with true, legal and effective admission notices; ④ Students' pre-school household registration and their parents' household registration are in the county (city, district); ⑤ The family is in financial difficulties, and the income is not enough to pay for the basic expenses of completing their studies at school.

legal ground

Regulations of the state on the administration of student loans

(eleven) the national student loans issued by the handling bank belong to commercial loans and are included in the normal loan management.

(twelve) the national student loan shall be managed by the annual application of students and the annual examination and approval of the handling bank.

(thirteen) the handling bank is responsible for determining the specific amount of the national student loan, in which: the amount used for tuition does not exceed the tuition fee collection standard of the borrower's school; The maximum amount used for living expenses shall not exceed the basic living expenses standard of the school area.

(fourteen) students applying for national student loans must have a guarantee approved by the handling bank, and the guarantor shall conclude a guarantee contract with the handling bank.

(fifteen) students who are really unable to provide guarantee and have special financial difficulties can apply for loans for poor students. Poor students' loans are applied by the school, reported to the superior student loan management center for approval, and the handling bank handles the loan procedures according to relevant regulations.

(16) The handling bank examines and approves the national student loan, and feeds back the list of students who have examined and approved the loan and the amount of the loan to the corresponding student loan management center and school, and the school reports it to the superior student loan management center for the record, and cooperates with the handling bank to strengthen loan management.

(seventeen) the national student loan handling bank shall determine the term of each loan according to the student's application.

(eighteen) the national student loan interest rate is implemented according to the statutory loan interest rate announced by the People's Bank of China and the relevant national interest rate policies.

(nineteen) in order to reflect the preferential policies of the state for students with financial difficulties and reduce the burden of repayment, the financial department gives discount to students who accept national student loans. 50% of the interest on loans borrowed by students is subsidized by the government, and the remaining 50% is borne by the students themselves. The financial department shall allocate loan discount funds to the student loan management center on schedule according to the regulations every year.

(20) The state encourages all sectors of society to provide student loan guarantees and interest subsidies to students with financial difficulties in various forms.